Chemical Financial Corporation is a financial holding company with its business concentrated in the commercial banking. The Company, through its subsidiary bank, offers a range of commercial banking services. These banking services include business and personal checking accounts, savings and individual retirement accounts, time deposit instruments, electronically accessed banking products, residential and commercial real estate financing, commercial lending, consumer financing, debit cards, safe deposit box services, money transfer services, automated teller machines, and access to insurance products and investment management services. During the year ended December 31, 2008, the Company operated through one subsidiary bank, Chemical Bank, serving 90 communities through 129 banking offices and three loan production offices located in 31 counties across Michigan’s. In addition to its banking offices, the Company operated 141 automated teller machines, both on- and off-bank premises.